In 2023, lenders reported 165 mortgage applications in Nemaha County, NE totaling $23.7 million, down 15% from 2022. The average application was for $143,000, and applicants reported an average income of $99,000. 48% of applications resulted in an originated loan and 16% were denied. The most active lender was Newrez LLC, with 12 applications, followed by US Bank, N.A. and Firstbank of Nebraska.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 165 |
| Total Mortgage Loan Application Amount | $23,685,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $1,282,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 12 | $ 1,730,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 10 | $ 980,000 |
| Firstbank of Nebraska 201 E 5TH ST WAHOO, NE 68066 |
* | $ 384,159,000 | 9 | $ 1,385,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 1,470,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 7 | $ 815,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 7,608,489,000 | 6 | $ 610,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 28,274,145,000 | 5 | $ 425,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 5 | $ 435,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 675,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 630,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 4 | $ 480,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 415,343,000 | 4 | $ 660,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 3 | $ 285,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 3 | $ 145,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 4,920,698,000 | 3 | $ 405,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 3 | $ 265,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 3 | $ 85,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 805,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 3 | $ 365,000 |
| State Bank of Table Rock 402 HOUSTON TABLE ROCK, NE 68447 |
* | $ 127,826,000 | 3 | $ 1,665,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 3 | $ 425,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 1,196,346,000 | 2 | $ 360,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 2 | $ 70,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 274,304,000 | 2 | $ 280,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 2 | $ 470,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 140,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 2 | $ 250,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 460,000 |
| Arbor Bank 911 CENTRAL AVENUE NEBRASKA CITY, NE 68410 |
* | $ 531,826,000 | 2 | $ 120,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 190,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 215,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 385,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 145,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 371,482,000 | 1 | $ 145,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 125,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 215,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 75,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 255,000 |
| Pivot Financial Partners, Inc 5935 S ZANG ST., STE 220 LITTLETON, CO 80120 |
* | $ -1,000 | 1 | $ 165,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 385,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,121,085,000 | 1 | $ 155,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 85,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 145,000 |
| Dayspring Bank 914 LAKE AVENUE GOTHENBURG, NE 69138 |
* | $ 982,277,000 | 1 | $ 255,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 285,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 65,000 |
| Nebraska Bank of Commerce 6000 VILLAGE DRIVE, STE 100 LINCOLN, NE 68516 |
* | $ 156,946,000 | 1 | $ 25,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 65,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 55,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 5,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,918,861,000 | 1 | $ 55,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 225,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 325,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 195,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 1,622,947,000 | 1 | $ 185,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 215,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 175,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 225,000 |
| Ornl Federal Credit Union 221 SOUTH RUTGERS AVENUE OAK RIDGE, TN 37830 |
* | $ 3,132,447,000 | 1 | $ 35,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 135,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 145,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 534,540,000 | 1 | $ 175,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 1,204,977,000 | 1 | $ 125,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 38,279,055,000 | 1 | $ 105,000 |
| Mid-Missouri Bank 3546 EAST SUNSHINE SPRINGFIELD, MO 65804 |
* | $ 902,427,000 | 1 | $ 95,000 |
| Commercial State Bank 579 EAST BROADWAY P.O. BOX 179 WAUSA, NE 68786 |
* | $ 195,965,000 | 1 | $ 115,000 |
The tables below break down 2023 mortgage applications in Nemaha County, NE by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 116 | $19,480,000 | $167,000 | $1,205,000 | $106,000 | $1,282,000 |
| Other Purpose | 16 | $1,150,000 | $71,000 | $165,000 | $88,000 | $160,000 |
| Home Improvement | 13 | $865,000 | $66,000 | $125,000 | $79,000 | $226,000 |
| Cash-out Refinancing | 11 | $1,365,000 | $124,000 | $215,000 | $91,000 | $157,000 |
| Refinancing | 8 | $820,000 | $102,000 | $215,000 | $76,000 | $110,000 |
| Not Applicable | 1 | $5,000 | $5,000 | $5,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 110 | $16,450,000 | $149,000 | $1,205,000 | $102,000 | $1,282,000 |
| Not applicable | 29 | $4,405,000 | $151,000 | $385,000 | $119,000 | $119,000 |
| Not Provided | 18 | $2,170,000 | $120,000 | $385,000 | $88,000 | $146,000 |
| Asian | 4 | $260,000 | $65,000 | $95,000 | $120,000 | $132,000 |
| American Indian or Alaskan Native | 2 | $240,000 | $120,000 | $145,000 | $59,000 | $89,000 |
| Black or African American | 1 | $75,000 | $75,000 | $75,000 | $48,000 | $48,000 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $46,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 114 | $14,490,000 | $127,000 | $1,205,000 | $93,000 | $312,000 |
| FHA-insured (Federal Housing Administration) | 26 | $3,380,000 | $130,000 | $235,000 | $68,000 | $137,000 |
| VA-guaranteed (Veterans Administration) | 19 | $5,175,000 | $272,000 | $385,000 | $195,000 | $1,282,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $640,000 | $106,000 | $135,000 | $94,000 | $111,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 80 | $13,000,000 | $162,000 | $1,205,000 | $96,000 | $312,000 |
| Loan Purchased By The Institution | 33 | $4,905,000 | $148,000 | $385,000 | $77,000 | $119,000 |
| Application Denied By Financial Institution | 27 | $2,765,000 | $102,000 | $385,000 | $77,000 | $226,000 |
| Application Withdrawn By Applicant | 15 | $2,225,000 | $148,000 | $385,000 | $97,000 | $160,000 |
| Application Approved But Not Accepted | 7 | $605,000 | $86,000 | $235,000 | $251,000 | $1,282,000 |
| File Closed For Incompleteness | 3 | $185,000 | $61,000 | $75,000 | $85,000 | $146,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 123 | $17,635,000 | $143,000 | $385,000 | $101,000 | $1,282,000 |
| Debt-To-Income Ratio | 22 | $4,400,000 | $200,000 | $1,205,000 | $99,000 | $312,000 |
| Credit History | 7 | $545,000 | $77,000 | $135,000 | $60,000 | $100,000 |
| Collateral | 5 | $445,000 | $89,000 | $185,000 | $90,000 | $120,000 |
| Credit Application Incomplete | 3 | $285,000 | $95,000 | $105,000 | $127,000 | $226,000 |
| Other | 2 | $180,000 | $90,000 | $125,000 | $89,000 | $140,000 |
| Unverifiable Information | 2 | $170,000 | $85,000 | $85,000 | $148,000 | $185,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $25,000 | $25,000 | $25,000 | $35,000 | $35,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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